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On-Demand

NYCE’s On-Demand Solutions are a comprehensive family of “card-not-present” or PINless transactions.

Read further to learn how On-Demand can be used to support a variety of applications. On-Demand solutions provide the benefit of real-time processing, expense reductions and new income opportunities for all NYCE participants.

NYCE’s On-Demand Payment Solutions are a comprehensive family of card-not-present transactions that facilitate the digitization of payments generally performed with checks or ACH.

These solutions provide issuers with the benefits of real-time processing, cost reductions and even new income opportunities. On-Demand transactions have been in place for more than a decade, and all issuer processors are fully certified.

Account Authentication

NYCE’s Account Authentication service enables financial institutions acquiring new customers to verify that the individuals actually own the accounts from which they would like to fund their new accounts. Utilizing NYCE credit payment (PINless) transactions, the acquiring institution simply transmits low dollar value credits. The cardholder then confirms the amounts received via online banking or VRU account access. Visit Account Authentication for more information.

Account Funding A2A, P2P and B2C

Account Funding offers cardholders the ability to make real-time funds transfers to and from accounts held at financial institutions, brokerages, mobile services providers and stored value accounts. Account Funding can improve your new checking and savings account application completion rate through same session real-time funding, maximizing the return on your new account procurement investments. Funds movement can be initiated via the web, VRU and mobile channels.

A2A enables a cardholder to transfer funds between accounts held at different financial institutions, where the cardholder has legitimate access to both accounts. Prepaid and other stored value accounts can also be supported with A2A.

Rebates and Refunds

NYCE’s rebates and refunds transactions offer merchants the ability to rebate or refund an entire or partial debit bill payment amount. This alternative automates what is often a slower, manual and expensive process and provides cardholders a real-time credit payment transaction, resulting in a faster return of their money and peace of mind that they have received the funds that they expect.